[fasternyou929]

Originally Posted by Rider

For those with little or no debt but you want to keep that 800 beacon score, you'll want to keep a small balance on a couple of cards. For example get a couple of 5.9% or 6.9% fixed rate cards with high limits, charge say 60$ on each card, when the bill comes pay $50 and keep a $10 balance, next month charge $50 and pay $50 when the bill comes. The amount of interest you pay to keep a $10 balance on each card is nothing but the the benefit to your credit score in invaluable. That is, if you ever need to use it. If you never plan on using credit and you don't care about your credit score then disregard.